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案例:侯先生的车丢失后,保险公司以他丢了原厂车钥匙为由拒赔5%的损失,侯先生为此告上法庭。法院判决认为,钥匙丢失增加了车辆丢失风险,保险公司的决定并无不妥。去年5月,侯先生购买了一辆客车,在保险公司投保了全车盗抢险。6月,他丢失了一把原厂车钥匙。7月,车辆被盗。侯先生报案后通知了保险公司,同时提交了另一把原厂车钥匙和两把自配钥匙。保险公司以侯先生没能提供全部车钥匙为由,拒赔5%的损失。侯先生要求保险公司全额赔偿。
Case: After Mr. Hou’s car was lost, the insurance company refused to pay 5% of the loss on the ground that he lost the original car key. So, Mr. Hou sued the court. The court ruled that the loss of the key increased the risk of vehicle loss, the insurance company’s decision is not inappropriate. Last May, Mr. Hou bought a bus and insured the whole car at the insurance company. In June, he lost a key to the original car. In July, the vehicle was stolen. Hou informed the insurance company after the report, while submitting another original car keys and two self-key. Insurance companies to Mr. Hou failed to provide all the keys to the car, refused to pay a 5% loss. Mr. Hou requires insurance companies full compensation.